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Never carry credit card debt. Haven’t in many years, but didn’t figure this out early enough.
Instead of starting drawing social security at age 62, I would have waited until I turned 70.
I am a conservative investor but I do wish that in my younger years that my portfolio was more heavily weighted towards stocks.
I would have been a bit more aggressive with investments. And I would have used Roth accounts as soon as they were available.
I would save more and learn about stock market investing earlier. We spent too much on mutual fund fees and taxes when we could have been buying stocks.